SBA Loans

Whether you're just starting out, looking to expand or making major upgrades, a Small Business Administration (SBA) Loan with Ameris Bank can provide you with the financing you need to succeed. Even better, we're an SBA preferred lender.


  • Loans up to $6 million
  • Flexible repayment terms
  • Low equity requirements
  • One-on-one application assistance

Small businesses, big ideas

Big companies get most of the PR, but it's small businesses that keep America's economic engine running. That's why the federal Small Business Administration works with banks to provide business owners with loans for everything from real estate deals to equipment purchases.

  • SBA Preferred Lender
  • Flexible terms to improve repayment ability and preserve working capital
  • Terms as long as 25 years
  • Real estate loans
  • Franchise lending
  • Business acquisition financing
  • Equipment, working capital and inventory loans
  • Fast loan processing, competitive loan rates, and one-on-one service
  • As low as 10% equity requirements

SBA Financing Options

Ameris Bank offers loans through two major Small Business Administration programs. This chart can help you identify which type of financing might be appropriate for your business.

 

  SBA 7(a) Term Loan SBA 504 Term Loan
Loan or Line of Credit Term loan from $200,000 – $5,000,000 Term loan from $150,000 – $6,000,000 (Maximum of $5,000,000 for public policy and $5,500,000 for small manufacturers)
Ideal for For-profit businesses and experienced business owners starting a business Businesses with a net worth of $15 million or less and average net income of greater than $5 million over the past two years
Benefits Offers flexibility, longer terms, and lower down payments compared to other types of business financings Offers long term financing for long-term fixed assets
Use of Funds
  • Purchase of land or buildings, new construction expansion or conversion of existing facilities
  • Purchase of equipment, machinery, FF&E or inventory
  • Long-term working capital
  • Refinancing existing business indebtedness
Purchase of commercial real estate, expansion of existing operations, funds to help local economy create jobs, or purchase of machinery or equipment
Rate Information
  • Generally offers a variable rate, but sometimes may be fixed
  • Maximum variable rate is Prime + 2.75%
Fixed Rate Loan rate is set when debenture is sold

SBA Lending Friendly Industries 

  • Convenience store and gas stations
  • Certified public accounting firms
  • Dental practices
  • Hospitality industry
  • Law firms
  • Medical practices
  • Mini-storage businesses
  • Pharmacies
  • Restaurants
  • Veterinarians

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Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.